Which is better? A Roth or traditional IRA? Keep your answer in mind because we will get back to your answer in a bit. Oh, and over 95% of people get the answer wrong so prepare for an eye opening experience. There are two camps when it comes to retirement planning. Some insist the Roth is better due to all that wonderful tax-free growth. Others say traditional retirement accounts are better because you can invest all that money from the tax deduction. So, is the tax-free growth of a Roth better? Or the tax deduction from the traditional IRA? Let’s do some math. (I’ll do the heavy lifting, but if you think I am playing it fast and loose with the number you are welcome to verify my work. In fact, I insist!) First, we need to assure we are comparing apples-to-apples. In our illustration we have $10,000 to invest into a retirement account. We will then let the investment grow for 30 years at an annual growth rate of 10%.…